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...Chapter 1: Your Future in Business Begins Now
Question 1: How do businesses and not-for-profit organizations help create our standard of living?
Answer:
Business: An organization that strives for a profit by providing goods and services desired by its customers.
Not-for-profit organizations: An organization that exits to achieve some goals other than the usual business goal of profit.
Standard of living:
A country’s output of goods and services that people can buy with the money they have.
– Standard of living is measured by the output of goods and services delivered by businesses and not-for-profit organizations. High standards of living ensure high quality of life.
– Our quality of life is not simply the amount of goods and services available but also society’s general level of happiness.
Businesses play a key role in determining our quality of life. Building a high quality of life is a combined effort of businesses, Government and not-for-profit organizations.
Question 2: What are the Factors of Production?
Answer:
Factors of Production: The resources used to create goods and services. There are five factors of production:
1. Natural Resources: Commodities that are useful inputs in their natural state are known as natural resources. Example: land, forests, oil deposits and water.
2. Capital: The inputs such as tools, machineries, equipment and buildings used to produce goods and services and get them to the customer.
3. Labor:......

...According to the College Board (2009), college tuition rates are expected to increase at rates of five to eight percent each year. The cost of one year’s tuition at a public university currently averages $6,585 (College Board, 2009). At a rate of five percent per year, tuition could be increased by $329 each year. Imagine a child who has 15 years before attending college. Is it better to pay $6,585 or $11,520 per year? Fortunately, there are many options available to assist families in saving for future college expenses. When it comes to preparing and paying for college, one option is to start a Qualified Tuition Program, which guarantees current tuition rates and provides tax free savings.
Qualified Tuition Programs were created in 1996 by Internal Revenue Code (IRC) 529 (Internal Revenue Manual, 2009). IRC 529 sets forth requirements plans must meet in order to receive federal tax exemption status for Qualified Tuition Programs. These types of programs are commonly referred to as ‘529 plans’ because of the code number they were created under. According to IRS Publication 970 (2009), a Qualified Tuition Program is any “program set up to allow you to either prepay, or contribute to an account for paying, a student’s qualified education expenses”. These programs are set up and maintained by states or eligible educational institutions. There are two types of plans; Prepaid Qualified Tuition Programs and Qualified Tuition Savings Programs.
Prepaid Qualified Tuition Programs......

...Planning the holidays
Let me present some reflections on the issue that, I dare say, must be the most exciting for majority of ordinary people, who spend the most of their lives (from 5 to 7 days a week) working and then have a couple of weeks of holiday in summer months (if they have luck). It is planning holidays.
In our modern world we can refer to a lot of travel agents, who’ll try to help us choose the best variant for our holiday among infinite multitude of different destinations, tours and travelling programs. It is convenient on the one hand if one has financial opportunity and a willing to trust the planning of their holidays to a manager of a travel agency. He may offer the tourist any kind of a tour according to their wish. To my mind, the most all-embracing and effective way from the informative, cultural point of view is to go on a tour to a foreign countries (or even the places in your country you have never been to) with a bunch of people you don’t know (and even may not like). Joining such tour is a good idea, because it’s rather hard for an average tourist to get around on their own. Some tourists like to make their way around leisurely to see the sites, they don’t like the fast pace of tours, they’d rather have the time to take in each site, not rush through it just to take a picture and say “I’ve been there”. But tours come in all shapes and sizes; one can find the exact offer that isn’t too fast-paced or strenuous.
Some tourists...

...Your future plans
1. What would you like to be in the future? Why? ( doctor, builder, street vendor, flight attendant, director, accountant, prime minister, lawyer, engineer, artist, computer programmer, secretary, bartender, interpreter, translator,
2. What job can bring more money than others? Is it honest or dishonest?
3. Do you plan your future by yourself? Would you like it if yours is arranged by others?
4. What have you done so far to pave the way for your future?
5. What preparations do you think are necessary for your future job?
6. Are you high – flier? What are your ambitions?
7. Are you happy when all your plans come true? And what would you do with your success? Would you give of some of your money to charity to help the disabled or the poor?
8. Are you willing to listen to someone’s advice about your future plan? Do you think it is necessary for you?
9. Do you know much information about employment tendency in the future? What is it?
10. What do you think the government should do to prepare Vietnamese young people for their future jobs?
Your likes and dislikes
1. Weather:
2. Food:
3. Music:
4. Sports:
5. Work:
6. Clothes:
7. People:
How to be a good friend?
1. Do you have any close friends? How many? Are they girls or boys?
2. Tell us about your closest friend his/her good sides and bad sides: friendliness, politeness, honesty, sympathy, sincerity, optimism, selfishness, jealousy, etc.
3. Is......

...Charting Your Company’s Future
John Reed of Citicorp was known for insisting that his executives get the big picture. As chairman and CEO, he demanded that business unit heads present their proposed strategies in no more than a few slides. Executives who failed to meet Reed’s exacting standards for brevity met with his unconcealed displeasure. And if it happened too often, they ran the risk of being left out of the loop on future strategy sessions.
Many leaders share Reed’s obsession with the big picture, yet our research shows that few companies actually have a clear strategic vision. The problem, we believe, stems from the strategic-planning process itself. The process usually involves the preparation of a large document—culled from a mishmash of data provided by people from various parts of the organization who often have conflicting agendas and poor communication. The report typically begins with a lengthy description of the industry and the competitive situation. There follows a discussion of how to increase market share here and there, capture new segments, or cut costs, which leads to an outline of numerous goals and initiatives. A full budget is almost invariably attached, as are lavish graphs and a surfeit of spreadsheets.
No wonder so few strategic plans turn into action; executives are paralyzed by the muddle. But it doesn’t have to be that way. We suggest an alternative approach to strategic planning, based not on preparing a document but on drawing a picture...

...Anthropology and Your Future
Consider issues that are current in our own society today. Where will the application of an anthropological perspective be most effective? Consider and describe how the study of anthropology and its unique perspectives on human cultural behavior will most benefit you in your life and future career. Please use concepts and terminology from the text.
Your initial response should be 150-200 words in length. Please support your claims with examples from the text, recommended material, and/or scholarly articles.
Considering society as it is today, I’d say that the place of anthropology is to provide clues about how we are developing into the societies of the future, while at the same time. providing a critical historical background supported on research from the anthropology of the past so as to have a more comprehensive understanding of how our societal evolution is taking place. The anthropologist has the important role of letting the society of today know how it was before their time, so they can see their place in history and experience their lives as the consequence of the unfolding of those historical tendencies. By doing this analysis guided by the knowledge of the anthropologist, the regular citizen will be able to see what is to come in the future and how he or she may affect that evolution now that the clues from the past will explain the consequences of our decisions (or the decisions of today’s politicians, for example). The......

...personal questions. The interview took three hours not because it was difficult interviewing her or because she had problems understanding the survey questions but because she is a talkative person. As a result, I found that we would start discussing topics unrelated to this assignment. During the interview I asked her questions regarding her beliefs, family and social life, and concerns about aging and entering retirement.
Interview Questions
1. How did you meet your spouse?
2. Where do you work and how long have you worked there?
3. What are your recreational activities?
4. How do you want to spend your retirement?
5. Do you have any other means of income?
6. Do you have medical insurance?
7. What are your views on dying and the common health problems of aging?
8. Have you considered where you well live when you retire?
9. Do you have any religious beliefs and do you think they will affect your retirement?
10. Would you like to participate in volunteer activities?
11. Is your money invested to best suit your long-term needs?
12. Will you be able to afford in-home help should you need it?
Discussion
Elizabeth Evangeline Laroda was born in Nassau, Bahamas on 13th June, 1954 to Henry and Sylvia Treco. She was their only child. She resides in Saint Albans Drive with her husband, Edward Keith Laroda, of twenty years. They met when she was working as a sales clerk at John Bull and at first she was hesitant to become involved with him because he was an......

...“Hold the Future in your Hand”
DeVry University
“Hold the Future in your Hand”
In 1962, Sony put an ad out to introduce one of the first micro televisions (TV). This tiny box was a milestone in television viewing at that point in time. Who could believe that in is era that Sony would create a television that could actually be held in the palm of the hand? At only 8lbs. it is not much larger than your telephone. Think of it, it’s the early 60’s and a typical household only had one television, then suddenly an advertisement comes out describing a television that can be held in your hand. Imagine it, a rechargeable TV, one that could be used by normal battery, auto battery or by plugging it into the wall. Now all of a sudden this was not only a small TV to fit in a person’s hand, but one that could be brought anywhere. No longer was a family tied to watching TV just at home, now television was able to be watched anywhere. The 1962 ad “Hold the Future in your Hands, by Sony” is an effective advertisement that in it’s time was cutting edge technology; Sony shows appeal to men and women, versatility as well ad keeping up with a demanding future.
To begin with, Sony’s attempt in bringing portable televisions to the horizon was very effective in the way they advertised. They created a television that was not only designed to appeal to both sexes but to show their leap in technology as well. Sony did not just put out a hand held television they also made one that you......

...declares the LORD, plans for welfare and not for evil, to give you a future and a hope
Jeremiah 29:11
There are times in life that it feels like the future looks desolate. This great scripture on hope gives encouragement on my life and reminds me that God is in control. I am here to influence you today that you and I both have bright futures ahead of us. There are times when we often go astray but God always steps in on time. We cannot take today for granted, for we not know what tomorrow holds. There is hope for every one of God’s children and I am here to remind you that he has plans for each and every one us. I always tend to look back at this scripture whenever I feel the need to give up. In the past, I’ve felt like I wasn’t going to make it and like I wasn’t strong enough. I felt like I wasn’t good enough for a successful future because of what I’ve been told, but then I started praying and asking God to step in and take charge. I then began to step back and let God do his works and once I made that major step, the LORD did exactly what he said he would do. Speaking on today would’ve been a nerve wrecking assignment for me in the past, but now that my spirit of fear is gone, I have the courage to do anything I put my mind to. My speaking goals is exactly what I’m living at this very moment. They are what I’m presenting to you at this very moment. I am a strong believer in hope and having a bright future. I do believe that public speaking will get me where I need to......

...Battle Is For Your Future
Shaborn Vail
Genesis 37:5-37:8
“And Joseph dreamed a dream, and he told it his brethren: and they hated him yet the more.
And he said unto them, Hear, I pray you, this dream which I have dreamed:
For, Behold, we were binding sheaves in the field, and, lo, my sheaf arose, and also stood upright; and, behold, your sheaves stood round about, and made obeisance to my sheaf.
And his brethren said to him, Shalt thou indeed reign over us? or shalt thou indeed have dominion over us? And they hated him yet the more for his dreams, and for his words.”
Genesis 37:5-8
Joseph’s brothers already hated him because he was the favorite son of their father. But once Joseph began to talk about his dreams, once he began to talk about his future, their hatred for him increased and they began to question him by asking him “Shalt you indeed reign over us? Shall you indeed have dominion over us?”
Josephs brothers were not so concerned about who he was, as a seventeen year old dreamer. Their concern was over who he was going to become. They were not afraid of his present, they were afraid of his future. And they wanted to stop him from becoming who God said he would become and going where God said he would go. They wanted to stop him from entering into his destiny.
If there is anything Satan desires to do today it is to keep you from entering into your destiny. He wants to keep you from your future!
Satan does not care if you live in your past.......

...Succession Planning: Insurance for the Organization's Future
What is Succession Planning?
Succession planning is a process whereby an organization ensures that employees are recruited and developed to fill each key role within the company (Mathis, Jackson & Valentine, 2013, p. 47). The process of succession planning begins by recruiting excellent employees. Managers in turn utilize their workers abilities and understanding by preparing them for advancement into more challenging roles. Succession planning essentially is what makes it possible for employees to continually advance into a needed role within the organization. So the sole purpose of succession planning is to ensure that the organization has employees ready to fill these new roles when needed. Done effectively, succession planning can prepare the company for expansion and organizational reform for new opportunities to help build your company for success.
Why Should Businesses Use Succession Planning?
Succession planning is a logical way for businesses to prepare for the future. Eventhough many employees think of succession planning as, who is going to take over the business? Succession planning is much more than just the changeover of ownership. Businesses must prepare to develop and interchange key employees and staff and anticipate and plan for the impacts that any transition in ownership could have.
When succession planning is effectively executed, companies experience a smooth transition (Simoneaux......

...Twenty years cannot handicap your mind for your future
English 219
Jan. 28, 2015
It was time. It was overdue. She tossed the empty water bottle into the trash and opens the front door to leave her home, in the quiet neighborhood. As Laney walked into a clean updated looking office, with her scarf around her neck, she didn't want to be too late for the job interview. After all, these years, a real job interview first time in a long time.
She handed the security guard an appointment card and went into the elevator, she exhaled noisily. "I'm never doing this again, I can’t believe I’m doing it now." she said, closing her blue colored eyes for a moment. Now on the second floor, she opened the glass door to Suite 2 and glanced at the welcome sign of the Medical Facility. The receptionist looked up from her desk with a smile and asked Laney to hand over her resume. Once she took Laney’s resume the receptionist let her know that it would be a few moments until Rachel, the head of HR, finished with a client and invited her to sit in the lobby to wait.
With her sitting straight in a modern mustard chair by the door, Laney folded her hands on top of her legs to wait and couldn’t help but ponder her past. It was May of last year, three months after she had turned 45 and over 20 years since she had held any kind of a job. Laney never intended to become a stay-at-home mother for this long. "I loved the whole thing,"......

...“Shaping Your Future”
The Background Information
1. Whose plan is this?
Gabrielle Bonheur Chanel
2. Business and owner details:
Renowned worldwide designer Coco Chanel was born with the name Gabrielle Bonheur Chanel on August 19, 1883, in Saumur, France. With her trademark suits and minimal dark dresses, Coco Chanel made ageless outlines that are still famous today. She herself turned into an abundantly respected style symbol known for her straightforward yet advanced outfits matched with incredible adornments, for example, a few strands of pearls. As Chanel once said,"luxury must be agreeable, else it is not extravagance."
Her initial years, then again, were definitely not as glamorous as it would seem. After her mom's demise, Chanel was placed in a halfway house by her dad who acted as a merchant. She was raised by nuns who taught her the way to sew—an ability that would prompt her labor of love. Her handle originated from an alternate occupation altogether. Amid her concise profession as a vocalist, Chanel performed in clubs in Vichy and Moulins where she was called "Coco." Some say that the name originates from one of the melodies she used to sing, and Chanel herself said that it was an "abbreviated rendition of cocotte, the French word for 'kept lady," as per an article in The Atlantic.
Around the age of 20, Chanel got to be included with Etienne Balsan who offered to help her begin a millinery business in Paris. She soon left him for one of his......

...Management 2010.07:237-246. Downloaded from www.worldscientific.com
by PORTLAND STATE UNIVERSITY on 07/25/15. For personal use only.
STRATEGIC PLANNING OF FUTURE PRODUCTS
WITH PRODUCT SCENARIOS
VOLKER GRIENITZ∗ and VOLKER BLUME
Industrial Engineering, University of Siegen
Paul-Bonatz-Str. 9-11
Siegen, 57068, Germany
∗volker.grienitz@uni-siegen.de
Received 29 January 2010
Revised 4 March 2010
Accepted 15 April 2010
Manufacturing based corporations often ﬁnd themselves confronted with complexities of
increased pressures to innovate in order to ensure their comparative market positions. In
order to react to various exogenous changes corporations need to develop strategies that
match their manufacturing resources as well as products with the markets requirements.
Product scenarios represent a holistic approach for managing innovation processes and
technologies eﬃciently. The analysis through evolutionary algorithms for compatibility
between and amongst the product structure segments provides the necessary information about their suitability. The resulting scenarios, roadmaps and regular monitoring
processes are prerequisite for the managerial decision making process and the implementation of product and technology strategies.
Keywords: Product scenarios; scenarios; evolutionary algorithms; monitoring; scenario
planning.
1. Introduction
The early recognition and visionary anticipation of technological potentials as well
as the combination of......

...2005
Three Steps To Improve Your Financial Planning
Understand your savings and investment habits Create a winning budget Find the right retirement product for your needs
What’s the future of Medicare?
COMMENT
BERT SCOTT
Designing Products to Meet Your Financial Needs
T
hroughout our 87-year history, TIAA-CREF has been an innovator in the retirement investment field. We created the variable annuity, pioneered the use of real estate and foreign investing in pension plans and helped bring inflation-linked bonds to America. But stay tuned; there’s more to come. As the leader of TIAA-CREF’s Product Management area, I am proud to be part of the team that will be bringing you our newest products and services. At Product Management, TIAACREF’s “manufacturing” center, top-notch professionals develop new investment and insurance products and make sure those we already offer are still working for you. In a continually changing ﬁnancial services marketplace, our mission remains simple: to provide the tools you need to help reach your ﬁnancial goals. A large part of our work involves listening to you. This enables us to know what you need now, and what you may need down the road. So we begin the product design process by asking questions: What do you, our clients, want to accomplish? ■ How will those goals change over time? ■ What do you like about what’s currently available to you? ■ What do you need that we don’t offer?
■
As we study your answers, patterns......